How Republicans Indirectly Got Liberals To Point Out Flaws Behind Obamacare

Posted by:  :  Category: Medicare

First of all, let’s unpack the idea that if individuals have their own insurance, the “insurance company will have an incentive to keep [them] healthy”. That’s totally backwards. The idea that people might fire their insurance companies is exactly why they don’t have an incentive to keep you healthy. Insurance companies preferentially cover healthy people, and they want those who are ill to leave, or, better yet, not enroll in the first place. Captive populations, like those in the VA, or maybe plans with long-term contracts through big employers might have the right incentive, but the types of plans Gov. Romney seems to have in mind don’t do the very thing he is saying they do. Insurance companies have a vested interest in keeping you healthy when you can’t or won’t leave.
Source: firedoglake.com

Video: EHR: Medicare Incentive Program Attestation Webinar for Eligible Professionals

The Systemic Nature of Medicare Fraud

It isn’t just Medicare, but Medicaid and all insurance programs as well. The only system that works is direct pay, patient to doctor. Everything else is a scam. You think it really costs $38k to deliver a baby? There is no way in hell we received $38k worth of care when my son was born. An actual doctor was only there for 15 minutes. The quality of care is atrocious and the service is terrible and nearly every hospital. 9 out of 10 times you’ll get a foreign doctor that scored below 50 on the MCAT but made it through medical school anyway to fill a quota. Fraud isn’t just rampant it is on every bill. They bill you for items they never use, purposely let you sit for  hours before you’re discharged just to pad the bill, and send in multiple doctors just so they can bill for each one. The fucking hospitals don’t even have doctors working for them anymore, the doctors all work for outside firms that bill you thousands along with the hospital. Just a room costs $1500 an hour. FUCK EVERYONE IN THE MEDICAL PROFESSION!!! You all know that you are the problem because greed rules medicine over simply providing  care. I went to the ER in 1992 and was there for two hours for a broken bone, the bill was $180. Today the same bill is closer to $5000.  A trip to the hospital in 2002 for a kidney stone was $4400, I went again last year, $8600!!!!! Care to explain that doctors? You can’t justify that cost. To top it off my sister in law tells me her office bills insurance for the doctor even if the patient was only seen by a nurse. Why? well they only get $90 if a nurse sees a patient but $160 if they see the doctor. I told her the office is commiting insurance fraud and every one of them sould be arrested or at least have their licenses revoked. Her reply was, we need the extra money to pay employees. Well maybe she could make due with $60k instead of the $100k she’s paid.
Source: zerohedge.com

Medicare Supplemental Plans Thinking Ahead of Life

Medicare Insurance is an essential factor in everybody’s life nowadays. It is not that the importance of Medicare is not known to anybody but it is always necessary and it also on the safer side to be aware of the terms and conditions required in generating a Medicare plan. Choosing the best among all the Medicare Supplemental Plans is very important for an individual because until and unless an individual gets a good and reliable Medicare plan, that individual will not be able to secure his near future for himself. Medicare Supplement along with its thorough knowledge is very important for any individual in order to know the benefits of the policy that the individual is suffering. It is very important to have a good and distinct knowledge of any of the Medicare plans that a person is availing. This is a good and beneficial method used for making a good choice to pick up the finest Medicare plan that is available for him. Having a prior knowledge of the policy before availing it can bring dramatic changes in the future of a person. No doubt, there are a number of good and effective insurance agencies that are providing various kinds of policies. There is a point to be noted that all the policies are more or less alike, except some minor differences, whereas the major difference lies in the monthly premiums that the availers have to pay.
Source: articleindiadirectory.com

Can Medicare Supplement Insurance Plan Premiums Be Standardized?

Each year, about 10 million seniors add to their Medicare coverage with one of 10 types of Medigap insurance. Their goal is to get coverage for all of the health care expenses that are left out of traditional Medicare coverage. Medicare leaves you to pay for 20 percent of doctor bills and thousands of dollars on hospital care. While Medigap plans offer valuable coverage, you need to compare prices from different insurance companies because the premiums of Medigap plans are not standardized like the benefits are.
Source: articlecupboard.net

To right’s dismay, Santorum was active in passing Medicare drug bill

Posted by:  :  Category: Medicare

White House Medicare Presentation by National Institutes of Health LibraryYet, he has also defended aspects of the law, hailing the creation of health savings accounts and asserting it has similarities to the contentious Medicare reform plan offered by Rep. Paul Ryan (R-Wis.) last year. Ryan, who is considered a possible vice-presidential candidate, also voted for the pharmaceutical benefit in 2003.
Source: parkercountyblog.com

Video: Lyndon Johnson signs Medicare bill 1965

The Systemic Nature of Medicare Fraud

So a special industry has sprouted up around Medicare. California Watch, which claims to have analyzed more than 50 million Medicare patient records that it obtained through the Freedom of Information Act, identified thousands of instances where Prime Healthcare Services billed Medicare for the treatment of rare conditions. Its Alvarado Hospital Medical Center in San Diego already appears to be under investigation. At its Chino Valley Medical Center in San Bernardino County, a whopping 35.2% of the Medicare patients were treated for acute heart failure, six times the average rate. The hospital chain meanwhile claims its billing statements are accurate.
Source: stocksthatpay.com

The Systemic Nature of Medicare Fraud

It isn’t just Medicare, but Medicaid and all insurance programs as well. The only system that works is direct pay, patient to doctor. Everything else is a scam. You think it really costs $38k to deliver a baby? There is no way in hell we received $38k worth of care when my son was born. An actual doctor was only there for 15 minutes. The quality of care is atrocious and the service is terrible and nearly every hospital. 9 out of 10 times you’ll get a foreign doctor that scored below 50 on the MCAT but made it through medical school anyway to fill a quota. Fraud isn’t just rampant it is on every bill. They bill you for items they never use, purposely let you sit for  hours before you’re discharged just to pad the bill, and send in multiple doctors just so they can bill for each one. The fucking hospitals don’t even have doctors working for them anymore, the doctors all work for outside firms that bill you thousands along with the hospital. Just a room costs $1500 an hour. FUCK EVERYONE IN THE MEDICAL PROFESSION!!! You all know that you are the problem because greed rules medicine over simply providing  care. I went to the ER in 1992 and was there for two hours for a broken bone, the bill was $180. Today the same bill is closer to $5000.  A trip to the hospital in 2002 for a kidney stone was $4400, I went again last year, $8600!!!!! Care to explain that doctors? You can’t justify that cost. To top it off my sister in law tells me her office bills insurance for the doctor even if the patient was only seen by a nurse. Why? well they only get $90 if a nurse sees a patient but $160 if they see the doctor. I told her the office is commiting insurance fraud and every one of them sould be arrested or at least have their licenses revoked. Her reply was, we need the extra money to pay employees. Well maybe she could make due with $60k instead of the $100k she’s paid.
Source: zerohedge.com

Q&A: How can medicare bill the children of a deceased individual for past medical care?

Medicare does not send bills out in the first place. Medicare covered about 80% of her costs so you must have recieved a bill from the hospital and/or her doctor. Did she have Medicaid to pay for it, or a supplemental insurance to pay for it ? Also, children are not legally liable for parents debts of any kind but hospitals, doctors and debt collectors do try to get the family to pay, appealing to your guilt.
Source: 4u-2.com

Hypocrisy on Medicare Reform

Still, my charge of hypocrisy has nothing to do with the past. My problem is that both Emanuel and Tyson support the Affordable Care Act (ObamaCare).  As all readers of this blog surely know by now, more than  half the costs of insuring young people under ObamaCare is to be paid for by cuts in Medicare spending. As Tom Saving and I explained in The Wall Street Journal, how much Medicare will be cut is a matter of some dispute.  The Congressional Budget Office says the act requires Medicare to grow at GDP plus 1%, exactly the same rate of growth as the premium support proposals referred to above. The Medicare Trustees report, however, says the act requires Medicare to grow at GDP plus 0%. And since the Medicare trustees are appointed by the president, we take the trustees’ report as the Obama administration’s view of its own health plan. [See the chart.]
Source: ncpa.org

The Official Medicare Set Aside Blog And Information Resource: Top 10 MSP

So where does that leave us?  The GAO report has not been release to Congress and until it is, it is unlikely that Congress will take any further action given that it cannot possibly understand the total dollars in play here. Energy & Commerce gave CMS clear directions to obtain specific information for which it will be called upon to report, indicating another hearing. Given that it is an election year, by the time the needed data becomes available, the existing bills may not see any action in this Congress, but that could be a good thing. The bills as they exist take very small steps in what needs to be a much greater total reform of the MSP efforts of the Medicare program in general. A new comprehensive bill proposed in the 113th Congress could not only make needed changes to conditional payment and reporting problems, but address resolution of MSA issues, apportionment (particularly in mass tort) and Medicare Advantage oversights not dealt with in the pending legislation.  As with everything else, this is a great start and 2012 remains promising.
Source: medicaresetasideblog.com

Medicare Supplement Insurance

Posted by:  :  Category: Medicare

MORE DIRTY TRICKS FROM YOUR SOCIALIST/MARXIST   PRESIDENT AND HIS NASTY LITTLE ADMINISTRATION HACKS by SS&SSAcquiring insurance for your family members is out of keeping her secure. A good registered agent will probably contact you within at any appointed time and reveal in more detail this difficult subject of medicare insurance coverage. How this works for you right now, is that you can be a part of a plan, in a informed, educated way, without ever medicare supplemental chatting with a person plus definitely, without ever meeting someone one on one. Medicare health insurance Supplement Insurance is usually termed as Medigap because it tends to plug the void left in our bodies by the usual Medicare program. On the whole, Medicare health insurance policies was invented for folks 65 yrs . old or older who need medical care insurance protection. And should you have still not listing is of course, then you are surely in close proximity to retirement. Those policies also offer different form of benefits in diverse combination. Three critical factors go into enjoy which company you wish to get your Medicare health insurance Supplement insurance through.
Source: lionelblair.com

Video: Medicare Supplement Insurance Plans – Where Do I Start?

Medicare health insurance Supplemental Insurance coverage

Within 1977, Our lawmakers passed together with President Lyndon S Johnson finalized into legal requirements The Medicare insurance Act. Allow me to explain want to enjoy the large health related expenses which you can incur examine have a a treatment supplement insurance protection. What would likely not think approximately is the great reasons to enjoy this sort of affordable health care reform coverage. Medicare Additional Insurance is absolutely not necessary for individuals. As connected with 2010, over 17 million U s seniors need long run care for a cost which can be close for you to $90,000 each and every year. Everyone inside same geographic space is charged a similar. This can include those who have extra coverage via a employer and / or if outdated a original employer. Attained get older plans traditionally offer more affordable rates in the early stages, but which is usually offset by your higher rates you will see in old age. This is without a doubt confusing.
Source: boardexplorer.com

Medicare Supplemental Insurance California a Place to get the Ultimate Safety for the Future

Medicare Supplemental Insurance California is one such insurance providing sector that guarantees a complete morale support to the senior citizens and at the same time helps them in incurring a nominal cost on their health problems by providing them with the best plan ever. It ensures the senior citizens of low cost insurance options and also helps them to maintain their current health and at the same time pay for their future needs. The out-of-pocket expenses that are incurred while going through any health disaster are some of the added disadvantages of going through a health problem. These added expenses can be those of vaccination, diagnostic tests or any other health related services. These are the expenses that sometimes surpass the limit to pay or the ability to pay resulting in great devastation. Medicare Insurance of California ensures that you avail the correct plan at the correct time and at the same time it also covers the majority of the added expenses that would otherwise have to be paid by the individual. In this way these plans that are generated in California are very beneficial for an individual. If a person is in search of a correct Medicare Supplement Insurance without any prior and proper knowledge, he would feel as if he is in the middle of the sea without a wind-vane. The premiums that have to be paid for the plans that are availed from California have fewer premiums to be paid on monthly basis compared to the other plans. It completely depends on an individual as to what type of a plan is he choosing for which he has to set up a direct contact with the company itself. The benefits provided under these plans are also very beneficial and efficient. With the help of an overall study of the plans it can be said that Medicare Supplemental Insurance California are the best Supplement Insurance available in the present scenario and are among the best choices for the ones who are thinking of availing an insurance plan that would solve all of their health related problems.
Source: articleindiadirectory.com

Medicare Additional Insurance

As alot more services became available and health reform needs changed, it became noticeable that Medicare supplemental insurance policy would be essential. Even issues already made blueprints to supplement Medicare insurance, Medicare Advantage plan and you want to change the primary Medicare, you cannot make use of the Medigap benefits, if you bring back to Original Medicare. Increased volume of Medicare Advantage associates leaving those plans and searching for Medicare Supplement ideas (this cluster is, on average, not in of the same quality of health as well as the supplement plans have/had taking them due for many years involuntarily losing their particular Advantage plans). Medicare Add to Plans offer completely different medicare part b benefits and have a variety of prices depending onto your age, location, and the company where you purchase. This coverage of health program was devised for seniors that are usually in the phase in their life where they can be not employed nonetheless need a a higher level health coverage as a way to remain healthy and competent to function on an average basis. Another advantage of filling released a Medicare prepare online is that you could compare the rates and primary advantages of other clients on top of that; this can be done just in a few moments.
Source: rustbeltbistro.com

Treatment Supplemental Insurance

This organize that delivers insurance policies for numerous outpatient products and services and physician costs is additionally called the Added Medicare Insurance. One on the main advantages on the Medicare insurance medicare product plans remains your complete coverage on the costs. Only the us . residents who own legally been near your vicinity for at the very least 5 years might be given the independence to demand Medicare supplement insurance coverage. Instead they will likely pay you i think a flat-fixed amount according to what happens to your and the type of policy you have. While shopping for such policy out of an insurance company it is recommended good to are familiar with your rights and even facilities. If you may be just now getting qualified for Medicare, a company the fact that sells Medicare Nutritional supplement insurance cannot refute you coverage on account of your health, or pre-existing issues. Because many individuals have medical factors, the best period to purchase a plan is during offered enrollment..
Source: glyconix.com

Can Medicare Supplement Insurance Plan Premiums Be Standardized?

Each year, about 10 million seniors add to their Medicare coverage with one of 10 types of Medigap insurance. Their goal is to get coverage for all of the health care expenses that are left out of traditional Medicare coverage. Medicare leaves you to pay for 20 percent of doctor bills and thousands of dollars on hospital care. While Medigap plans offer valuable coverage, you need to compare prices from different insurance companies because the premiums of Medigap plans are not standardized like the benefits are.
Source: articlecupboard.net

The Relationship between Medicare Supplemental Insurance and Health

This paper investigates Medicare supplemental insurance and health-care spending. The empirical models attempt to determine whether seniors who possess certain traits, particularly health- and risk-related factors, choose supplemental coverage based on expectations of health-care needs. Employer-provided supplemental coverage is considered separately from official “Medigap” policies. Results indicate favorable selection into supplemental insurance based on health status, but no selection based on risk attitudes. The models indicate that Medigap and employer-provided enrollees spend approximately $1,000 and $1,500 more annually, respectively, than those without supplemental coverage. Finally, moral hazard induced by Medicare supplemental coverage appears to add $5.5 billion annually to the federal budget, although this estimate lacks statistical significance.
Source: wordpress.com

Medigap And Medicare Supplement Quote Policies 101 Get An Overview

Posted by:  :  Category: Medicare

MORE DIRTY TRICKS FROM YOUR SOCIALIST/MARXIST   PRESIDENT AND HIS NASTY LITTLE ADMINISTRATION HACKS by SS&SS2. Read the fine print carefully. Medigap plans are available from A to L. Legal regulations ensure that Medigap plans that offer the same benefits should not be too far apart in terms of premium. Medicare supplement insurance quotes should not differ that much, even if they are offered by different health care providers, if they basically represent the same set of benefits. This is why it is important for you to read policies carefully.
Source: articlegoes.com

Video: Medicare Supplement Insurance Plans – Where Do I Start?

Can Medicare Supplement Insurance Plan Premiums Be Standardized?

Each year, about 10 million seniors add to their Medicare coverage with one of 10 types of Medigap insurance. Their goal is to get coverage for all of the health care expenses that are left out of traditional Medicare coverage. Medicare leaves you to pay for 20 percent of doctor bills and thousands of dollars on hospital care. While Medigap plans offer valuable coverage, you need to compare prices from different insurance companies because the premiums of Medigap plans are not standardized like the benefits are.
Source: articlecupboard.net

Medicare Supplemental Insurance Comparison A Plan that Works for the Future

To go on living your life without any Health Insurance is not a very wise thing to do. If people do not avail the best Insurance Plans available in the market at present, they can ever expect to get some good benefits in their future when they suffer from any kind of Health hazard. It is very unfortunate that illnesses and injuries occur when you least expect them and it is this time when the expenses add up pretty quick generating a lot of problems for the sick and the needy. However it must be noted that getting a Health Insurance at any point of time is not easy and also not very cheap by any means and for anybody. However sound a person is from the financial point of view, if he is not covered under any Health Insurance, all his financial stability could be wiped out in the event of unexpected injuries or accidents. Medical help is very costly to be taken care of in the instance of any Health hazard. In these circumstances it is very important to find low price Health care coverage. There are numerous agencies present in the market that provide Medicare Insurance at a very nominal premium cost. They also have various kinds of different packages to offer to the people in order to match the right people with the right Insurance Policy. It is a very difficult task to match up to the people’s expectations and it is also not possible for the common man to find a suitable Health Policy very easily. Every person needs to ensure that the Insurance that he availing to is affordable according to his financial condition that means that he would be able to pay for the Policy without any financial crisis. Therefore it is very important to make Medicare Supplemental Insurance Comparison to find the best options that are available in the market.
Source: articleindiadirectory.com

Medicare Additional Insurance

As alot more services became available and health reform needs changed, it became noticeable that Medicare supplemental insurance policy would be essential. Even issues already made blueprints to supplement Medicare insurance, Medicare Advantage plan and you want to change the primary Medicare, you cannot make use of the Medigap benefits, if you bring back to Original Medicare. Increased volume of Medicare Advantage associates leaving those plans and searching for Medicare Supplement ideas (this cluster is, on average, not in of the same quality of health as well as the supplement plans have/had taking them due for many years involuntarily losing their particular Advantage plans). Medicare Add to Plans offer completely different medicare part b benefits and have a variety of prices depending onto your age, location, and the company where you purchase. This coverage of health program was devised for seniors that are usually in the phase in their life where they can be not employed nonetheless need a a higher level health coverage as a way to remain healthy and competent to function on an average basis. Another advantage of filling released a Medicare prepare online is that you could compare the rates and primary advantages of other clients on top of that; this can be done just in a few moments.
Source: rustbeltbistro.com

Treatment Supplemental Insurance

This organize that delivers insurance policies for numerous outpatient products and services and physician costs is additionally called the Added Medicare Insurance. One on the main advantages on the Medicare insurance medicare product plans remains your complete coverage on the costs. Only the us . residents who own legally been near your vicinity for at the very least 5 years might be given the independence to demand Medicare supplement insurance coverage. Instead they will likely pay you i think a flat-fixed amount according to what happens to your and the type of policy you have. While shopping for such policy out of an insurance company it is recommended good to are familiar with your rights and even facilities. If you may be just now getting qualified for Medicare, a company the fact that sells Medicare Nutritional supplement insurance cannot refute you coverage on account of your health, or pre-existing issues. Because many individuals have medical factors, the best period to purchase a plan is during offered enrollment..
Source: glyconix.com

Drugs and Supplements: Medicare Supplement and Part D Drug Plans In Plain English

If you are about to turn 65, you, no doubt, have already signed up for Medicare or at least you’ve read the info about signing up. So the first question to resolve is should you get a Medicare supplement plan and prescription coverage from Part D or should you go into a Medicare Advantage plan? For the sake of this article, let’s assume you already have your Medicare set up. So the next question becomes, now what? Medicare was easy, mostly because there’s only one place you can get it, namely, the federal government. After you have your Medicare in place, however, you’re only a third of the way done. Medicare covers 80% of your hospital and physician fees, but there are still two other health insurance plans you need. Medicare Supplement Insurance Plans The first is called Medicare supplement insurance, and it does exactly what its name implies. It supplements your Medicare plan. What that means in plain English is that your Medicare supplement insurance pays the difference between what Medicare pays, which in most cases is 80%, and the total amount of your hospital and doctor bills. So far it’s all pretty easy to understand, right? Medicare pays 80% and your supplement insurance plan pays the remaining 20%, assuming you choose the right plan. But this is where the major private insurance companies come into the picture and make it as difficult as possible for the average person to understand. Each year they come up with different Medicare supplement plans to choose from, they assign them each a letter of the alphabet so, assumingly, you can tell them apart. IN 2010, for example, at the time of this writing, Medicare supplement plans A through N are available, except for E, H, I, and J, which are no longer available. Medicare Part D Drug Plans The major private insurance companies offer several part D drug plans to choose from. The difference here from plan to plan is in the amount of your deductable, which can range from no deductable at all to a $310. Your deductable, of course, is the total amount you must spend yourself on prescription drugs before your coverage kicks in. The lower your deductable, the higher the monthly premium you pay. So with zero deductable, you’ll pay the highest monthly premium. There’s also something called gap coverage that you’ll need to understand, because after your coverage kicks in, either at zero or $310, when your total prescription drug cost reaches $2700 per calendar year, the major insurance companies actually stop paying until your total drug cost reaches $4350. Again, these figures are based on 2010 plans at the time of this writing, and so, are subject to change. My insurance agent advised that this will become perfectly clear if you think of the coverage gap as a donut hole, as it’s sometimes called. What The Major Private Insurance Companies Don’t Want You To Know The major private insurance companies are not likely to tell you that the government requires each insurance company to offer exactly the same Medicare supplement and Part D drug plans within each specific state. What this means in plain English is that Medicare supplement plans A through N, for example in Texas, must have exactly the same features from each insurance company. In other words, Plan A from one provider must be exactly the same as plan A from any other provider. Plan B from one provider must be exactly the same as Plan B from any other provider, and so on. The good news is that if you find supplement plans A through N a bit difficult to understand, at least you’ll only have to understand them once because each letter plan must be exactly the same from one insurance company to the next. With regard to Part D Drug plans, the same holds true. Each provider offers three Part D drug plans to choose from, sometimes referred to as good, better, and best, but the federal government also requires each of those plans to be exactly the same from one provider to another. How to Choose the Right Medicare Supplement and Drug Plan Because each specific plan must be exactly the same from one provider to the next your first step is to choose the best Medicare supplement plan (A-N) and the best Medicare Part D drug plan for your specific needs and situation. While defining each plan (A-N) goes beyond the scope of this article, I will make a few suggestions of what to look for. Also keep in mind that although the individual plans may change from year to year, the one constant is that whatever Plan A is from one provider, Plan A from any of the others is required to be exactly the same. Last year, for example, I chose Medicare Supplement Plan F and a $310.00 deductable drug plan. As you’re only able to change plans in a small window of time, which this year is from November 15th through December 31st, it’s important to choose the right plans from the beginning. So far so good with both. My Plan F has actually covered the full 20% in every instance and my drug plan is looking like it was the right choice as well, especially after I met my deductable. Even before, however, my drug plan was getting me discounted prices on non-generic prescription drugs. So, to recap, if each individual plan is exactly the same from one company to another, how do you choose the right insurance company? First you learn everything you can about each of the individual plans from your independent health insurance agent, which makes choosing the right health insurance agent your first priority. You need a licensed, experienced agent who will take the time to explain the various plans in a way that you can understand. Next, customer service will vary from company to company, so word of mouth, either good or bad, can help you decide. Because past history is the best predictor of future results, consider past experiences with the claim or customer service department either you or someone you know may have had with any of the major insurance companies. And finally, now that you know that all plans must be exactly the same from one company to another, why not go with the company that offers the lowest monthly premiums, assuming, of course, that it’s a national brand that you’ve heard of? In other words, if company A, the one that sends you a mailing every other day for three months before you turn 65 until three months after, charges a lot more than company B for exactly the same coverage, then why not go with company B?
Source: blogspot.com

Medicare Supplement Insurance

Acquiring insurance for your family members is out of keeping her secure. A good registered agent will probably contact you within at any appointed time and reveal in more detail this difficult subject of medicare insurance coverage. How this works for you right now, is that you can be a part of a plan, in a informed, educated way, without ever medicare supplemental chatting with a person plus definitely, without ever meeting someone one on one. Medicare health insurance Supplement Insurance is usually termed as Medigap because it tends to plug the void left in our bodies by the usual Medicare program. On the whole, Medicare health insurance policies was invented for folks 65 yrs . old or older who need medical care insurance protection. And should you have still not listing is of course, then you are surely in close proximity to retirement. Those policies also offer different form of benefits in diverse combination. Three critical factors go into enjoy which company you wish to get your Medicare health insurance Supplement insurance through.
Source: lionelblair.com

Travel Health Insurance For Over 65′s What Senior Travelers Should Recognize

Posted by:  :  Category: Medicare

Krisja Hendricks on Health Insurance Reform by Leader Nancy PelosiTravel health insurance covers unexpected medical expenses when you are outside of your home country. If you are covered under Medicare, these plans become your primary insurance while abroad. Travel health insurance also fills critical gaps with most Medicare supplemental plans while you are overseas. For example, Medicare supplements typically cover emergencies up to $50,000 and are subject to a $250 deductible and 20% co-insurance. In this case, the coverage gap on a $60,000 hospitalization followed by a medical evaluation of $35,000 will cost the unfortunate traveler $85,000 $20,000 on the hospital bill and $35,000 for the evacuation charge.
Source: arkhamcity.org

Video: Seniors Battle Health Insurance Bullies

High quality senior care franchise:

The health care industry is developing fast and quickly. The home healthcare franchise is more suitable for senior citizens. It is also used for people who have suffered with disabilities, illness and new mothers. They provide many services such as skilled nursing, personal care, companionship to their clients. To own the senior care franchise has rewarding experience. They provide top quality and safe health care for seniors. It is more important for those people. The health care services are more reliable and trusted. There are many people have interested to maintain and keep senior health care. They provide full directory of franchise opportunities and different types of senior care franchises. Franchising.com provides lot of reliable news, franchise buyer advice, editorial articles and many more. It is available for current and potential franchisees. It provides lot of business opportunities. The senior care franchise provides large and growing demand services, industry revenues, improves person’s quality of life, low startup and low overhead. The
Source: todaystara.com

Avamere: Focus on Senior Health Care and Treatment

Avamere is one of health service companies that specially focusing on senior health care and providing better treatment for seniors. There are several types of Avamere services, which can improve senior life care. Some of the available services are listed below:
Source: territoriointegral.org

HHS expands initiative to protect Medicare, seniors from fraud

“CMS is committed to working with partners like the Administration on Aging to develop and implement long-term solutions and a collaborative approach to eliminating health care fraud and abuse,” said Peter Budetti, CMS deputy administrator and director of the Center for Program Integrity. “We’ve dedicated $9 million in grants this year on top of another $9 million last year to expand the state-based Senior Medicare Patrol Programs, which are vital to empower seniors to identify and fight fraud.”
Source: newsfromaoa.org

Stradley Ronon Appoints Douglas Grimm

Grimm advises health systems, hospitals, managed care companies, pharmaceutical and medical device companies, and physician organizations on a wide variety of federal and state regulatory matters, including fraud and abuse, health information privacy, licensure and insurance issues. He also has extensive experience in representing health care clients in various transactional matters, including mergers and acquisitions, joint ventures and managed care contracting. Grimm is a frequent writer and presenter on health care compliance and reform issues.
Source: citybizlist.com

Do I qualify for senior health insurance?

If you are working when you turn 65, the government will not penalize you for signing up late for Medicare as long as you are covered under your employer’s group insurance plan. However, you must sign up for Medicare within eight months after you are no longer covered under the group insurance plan due to retirement. This also applies to the spouse of the insured.
Source: healthinsuranceproviders.com

Health and Wellness: Health Insurance for Senior Citizen

Finding right medical health insurance option for senior citizens within India was a significant difficult task at some point of time as most medical health insurance providers were unwilling to offer them protection due to higher likelihood of claim. Health Insurance companies who did supply coverage to seniors charged exorbitant high quality thus making it nearly impossible for them to buy medical health insurance policy at later on stages in life once they required it probably the most. Also one had been deprived of choices in relation to health insurance providers in the event that he/she was not satisfied with the present provider’s service.
Source: blogspot.com

Improving Senior Health Care

The Medicare Transitions Act of 2009 bill aims to provide a nationwide network of local transitional care coaches that would help Medicare patients recover and self-manage their condition. Personal follow-up care would be offered in order to ensure that elderly patients were effectively self-managing their condition and properly administering medications.
Source: hepatitismagazine.com

Daily Kos: Medicare is still more cost

Posted by:  :  Category: Medicare

310 | Message for the New Mr President and New Congress by The DoctrN in Seattle, ferg, Liberal Thinking, abarefootboy, Gooserock, Creosote, CoolOnion, Minerva, Aquarius40, Chrisfs, Redfire, wdrath, dwahzon, betson08, harrije, rlharry, bobnbob, ExStr8, denise b, 1Nic Ven, boofdah, Burned, coolbreeze, JanF, splashoil, irishwitch, Russgirl, mooshter, KenBee, blueoasis, gpoutney, kurious, Tamar, offgrid, Unbozo, millwood, wayoutinthestix, tofumagoo, Abra Crabcakeya, Parthenia, vmdairy, prettygirlxoxoxo, Throw The Bums Out, ewmorr, Larsstephens, FogCityJohn, icemilkcoffee, Polly Syllabic, melpomene1, tb mare, anonevent, Egalitare, Onomastic, annieli, BPARTR, BarackStarObama, Vatexia, jolux, kareylou, ParkRanger, Spirit of Life, Lensy, blueoldlady
Source: dailykos.com

Video: Revive Premium – How to Order with Medicare or Private Insurance – Exclusive to Encore

Raising Medicare’s Eligibility Age Would Save Money, But Also Shift Costs

Politico Pro: Rise In Medicare Age Would Save Money, Shift Costs Raising the Medicare age would encourage people to work longer, slightly boost the number of older uninsured people and save Medicare $148 billion over a decade — while shifting some of the costs to Medicaid, private employers and the new health exchanges, according to a CBO issue brief released Tuesday. The congressional budget agency brief summed up some of its previous analysis of Medicare and how it would interact with possible changes to Social Security. The report assumes that the Medicare age would be raised from 65 to 67 very gradually — two months at a time until 2027 (Kenen, 10/10).
Source: kaiserhealthnews.org

Medicare Advantage Disenrollment Period Explained

This period only applies to you if you have a private Medicare plan, or Medicare Advantage.  If you have Original Medicare you may not elect a private Medicare plan, or new drug plan during this period.  However, if you are on a private plan, you may elect to drop that plan during the MADP in favor of Original Medicare.
Source: allegiantplans.com

Utilising Medicare Add to Insurance to completely Cover Medicare …

The original Medicare program has two parts: Part A (Hospital Insurance), and Part B (Medical Insurance). Only a few special cases exist where prescription drugs are covered by original Medicare, but as of January 2006, Medicare Part D provides more comprehensive drug coverage. Medicare Advantage plans, also known as Medicare Part C, are another way for beneficiaries to receive their Part A, B and D benefits. All Medicare benefits are subject to medical necessity. Part A: Hospital Insurance Part A covers inpatient hospital stays (at least overnight), including semiprivate room, food, tests, and doctor’s fees. Part A covers brief stays for convalescence in a skilled nursing facility if certain criteria are met: 1. A preceding hospital stay must be at least three days, three midnights, not counting the discharge date. 2. The nursing home stay must be for something diagnosed during the hospital stay or for the main cause of hospital stay. 3. If the patient is not receiving rehabilitation but has some other ailment that requires skilled nursing supervision then the nursing home stay would be covered. 4. The care being rendered by the nursing home must be skilled. Medicare part A does not pay for custodial, non-skilled, or long-term care activities, including activities of daily living (ADL) such as personal hygiene, cooking, cleaning, etc. The maximum length of stay that Medicare Part A will cover in a skilled nursing facility per ailment is 100 days. The first 20 days would be paid for in full by Medicare with the remaining 80 days requiring a co-payment (as of 2009, $133.50 per day). Many insurance companies have a provision for skilled nursing care in the policies they sell. If a beneficiary uses some portion of their Part A benefit and then goes at least 60 days without receiving facility-based skilled services, the 100-day clock is reset and the person qualifies for a new 100-day benefit period. Part B: Medical Insurance Part B medical insurance helps pay for some services and products not covered by Part A, generally on an outpatient basis. Part B is optional and may be deferred if the beneficiary or their spouse is still actively working. There is a lifetime penalty (10% per year) imposed for not enrolling in Part B unless actively working. Part B coverage includes physician and nursing services, x-rays, laboratory and diagnostic tests, influenza and pneumonia vaccinations, blood transfusions, renal dialysis, outpatient hospital procedures, limited ambulance transportation, immunosuppressive drugs for organ transplant recipients, chemotherapy, hormonal treatments such as Lupron, and other outpatient medical treatments administered in a doctor’s office. Medication administration is covered under Part B only if it is administered by the physician during an office visit. Part B also helps with durable medical equipment (DME), including canes, walkers, wheelchairs, and mobility scooters for those with mobility impairments. Prosthetic devices such as artificial limbs and breast prosthesis following mastectomy, as well as one pair of eyeglasses following cataract surgery, and oxygen for home use is also covered. Complex rules are used to manage the benefit, and advisories are periodically issued which describe coverage criteria. On the national level these advisories are issued by CMS, and are known as National Coverage Determinations (NCD). Local Coverage Determinations (LCD) only apply within the multi-state area managed by a specific regional Medicare Part B contractor, and Local Medical Review Policies (LMRP) were superseded by LCDs in 2003. Coverage information is also located in the CMS Internet-Only Manuals (IOM), the Code of Federal Regulations (CFR), the Social Security Act, and the Federal Register. Part C: Medicare Advantage plans With the passage of the Balanced Budget Act of 1997, Medicare beneficiaries were given the option to receive their Medicare benefits through private health insurance plans, instead of through the original Medicare plan (Parts A and B). These programs were known as “Medicare+Choice” or “Part C” plans. Pursuant to the Medicare Prescription Drug, Improvement, and Modernization Act of 2003, “Medicare+Choice” plans were made more attractive to Medicare beneficiaries by the addition of prescription drug coverage and became known as “Medicare Advantage” (MA) plans. Traditional or “fee-for-service” Medicare has a standard benefit package that covers medically necessary care members can receive from nearly any hospital or doctor in the country. For people who choose to enroll in a Medicare Advantage health plan, Medicare pays the private health plan a capitated rate, or a set amount, every month for each member. Members typically also pay a monthly premium in addition to the Medicare Part B premium to cover items not covered by traditional Medicare (Parts A & B), such as prescription drugs, dental care, vision care and gym or health club memberships. In exchange for these extra benefits, enrollees may be limited in the providers they can receive services from without paying extra. Typically, the plans have a “network” of providers that patients can use. Going outside that network may require permission or extra fees. Medicare Advantage plans are required to offer coverage that meets or exceeds the standards set by the original Medicare program, but they do not have to cover every benefit in the same way. If a plan chooses to pay less than Medicare for some benefits, like skilled nursing facility care, the savings may be passed along to consumers by offering lower copayments for doctor visits. Medicare Advantage plans use a portion of the payments they receive from the government for each enrollee to offer supplemental benefits. Some plans limit their members’ annual out-of-pocket spending on medical care, providing insurance against catastrophic costs over $5,000, for example. Many plans offer dental coverage, vision coverage and other services not covered by Medicare Parts A or B, which makes them a good value for the health care dollar, if you want to use the provider included in the plan’s network or “panel” of providers. Because the 2003 payment formulas overpay plans by 12 percent or more compared to traditional Medicare,[11] in 2006 enrollees in Medicare Advantage Private Fee-for-Service plans were offered a net extra benefit value (the value of the additional benefits minus any additional premium) of $55.92 a month more than the traditional Medicare benefit package; enrollees in other Medicare Advantage plans were offered a net extra benefit value of $71.22 a month more.[12] However, Medicare Advantage members receive additional coverage and medical benefits not enjoyed by traditional Medicare members, and savings generated by Medicare Advantage plans may be passed on to beneficiaries to lower their overall health care costs.[10] Other important distinctions between Medicare Advantage and traditional Medicare are that Medicare Advantage health plans encourage preventive care and wellness and closely coordinate patient care.[13] Medicare Advantage Plans that also include Part D prescription drug benefits are known as a Medicare Advantage Prescription Drug plan or a MA-PD. Enrollment in Medicare Advantage plans grew from 5.4 million in 2005 to 8.2 million in 2007. Enrollment grew by an additional 800,000 during the first four months of 2008. This represents 19% of Medicare beneficiaries. A third of beneficiaries with Part D coverage are enrolled in a Medicare Advantage plan. Medicare Advantage enrollment is higher in urban areas; the enrollment rate in urban counties is twice that in rural counties (22% vs. 10%). Almost all Medicare beneficiaries have access to at least two Medicare Advantage plans; most have access to three or more. Because of the 2003 law’s overpayments, the number of organizations offering Fee-for-Service plans has increased dramatically, from 11 in 2006 to almost 50 in 2008. Eight out of ten beneficiaries (82%) now have access to six or more Private Fee-for-Service plans.[14] Each year many individuals disenroll from MA plans. A recent study noted that about 20 percent of enrollees report that “their most important reason for leaving was due to problems getting care.”[15] There is some evidence that disabled beneficiaries “are more likely to experience multiple problems in managed care.”[16] Some studies have reported that the older, poorer, and sicker persons have been less satisfied with the care they have received in MA plans.[17] On the other hand, an analysis of the Agency for Healthcare Research and Quality data published by America’s Health Insurance Plans found that Medicare Advantage enrollees spent fewer days in the hospital than Fee-for-Service enrollees, were less likely to have “potentially avoidable” admissions, and had fewer re-admissions. These comparisons adjusted for age, sex and health status using the risk score used in the Medicare Advantage risk adjustment mechanism.[18][19] In December 2009 the Kaiser Family Foundation published a report that rated Medicare Advantage organizations on a five star scale. The ratings were based on data from CMS, the Consumer Assessment of Healthcare Providers and Systems (CAHPS), Healthcare Effectiveness Data and Information Set (HEDIS) data, and the Health Outcomes Survey (HOS). New plans did not receive ratings, because data were not available. Almost six out of ten (59%) of MA plans did receive ratings, and these plans represented 85% of the enrollment for 2009. The average rating was 3.29 stars. Twenty-three percent of enrollees were in a plan with four or more stars; 20% were in a plan with fewer than three stars.[20] Twenty percent of African-American and 32 percent of Hispanic Medicare Beneficiaries were enrolled in Medicare Advantage plans in 2006. Almost half (48%) of Medicare Advantage enrollees had incomes below $20,000, including 71% of minority enrollees.[21] Others have reported that minority enrollment is not particularly above average.[22] Another study has raised questions about the quality of care received by minorities in MA plans.[23] The Government Accountability Office reported that in 2006, the plans earned profits of 6.6 percent, had overhead (sales, etc.) of 10.1 percent, and provided 83.3 percent of the revenue dollar in medical benefits. These administrative costs are far higher than traditional fee-for-service Medicare.[24] [edit] Part D: Prescription Drug plans Main articles: Medicare Part D and Medicare Part D coverage gap Medicare Part D went into effect on January 1, 2006. Anyone with Part A or B is eligible for Part D. It was made possible by the passage of the Medicare Prescription Drug, Improvement, and Modernization Act. In order to receive this benefit, a person with Medicare must enroll in a stand-alone Prescription Drug Plan (PDP) or Medicare Advantage plan with prescription drug coverage (MA-PD). These plans are approved and regulated by the Medicare program, but are actually designed and administered by private health insurance companies. Unlike Original Medicare (Part A and B), Part D coverage is not standardized. Plans choose which drugs (or even classes of drugs) they wish to cover, at what level (or tier) they wish to cover it, and are free to choose not to cover some drugs at all. The exception to this is drugs that Medicare specifically excludes from coverage, including but not limited to benzodiazepines, cough suppressant and barbiturates. Plans that cover excluded drugs are not allowed to pass those costs on to Medicare, and plans are required to repay CMS if they are found to have billed Medicare in these cases. It should be noted again for beneficiaries who are dual-eligible (Medicare and Medicaid eligible) Medicaid may pay for drugs not covered by part D of Medicare, such as benzodiazepines, and other restricted controlled substances.
Source: medicare-health.com

Medicare disenrollment allowed until Feb. 14

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Source: davisenterprise.com

CBO: Raising Medicare Age Means More Uninsured With Reduced Access To Care

Shifts in the sources of health insurance (and loss of insurance for some people) would affect the health care people receive and what they pay for it. Some people would end up without health insurance. People without health insurance are likely to receive lower quality care and pay more than insured people do. Many, but not all, people who end up with a different source of insurance would pay higher premiums than they would for Medicare and spend more out of pocket. The quality of health care could differ as well, in various ways. For example, people with private health insurance might have better access to physicians than they would under Medicare. Some people on Medicaid could have more difficulty obtaining services, but others could have access to health care with lower out-of-pocket costs than they would have under Medicare. The provisions of PPACA would make not having health insurance through Medicare or an employer less onerous than it would be otherwise. Virtually everyone affected would have access to health insurance, either through Medicaid or through exchanges. Although in many cases the premiums in the exchanges would be higher than 18. Some dual Medicare and Medicaid enrollees currently qualify for full Medicaid benefits; others qualify only for assistance with certain types of Medicare cost sharing. they are for Medicare, the insurance would be priced without regard to health status and with limited adjustments for age.
Source: talkingpointsmemo.com

WHAT OTHERS SAY: Private Medicare plans have been a disaster

Then in 2003, a Republican-controlled Congress went to bat for private insurers again. Three years later, the resulting Medicare Advantage plans made $1.3 billion more in profits than they had expected to make, according to the Government Accountability Office. Lucky them. The unlucky American taxpayers pay at least 12 percent more for that program than they pay to cover seniors in traditional Medicare.
Source: columbiamissourian.com

Germany’s painful lesson on private insurance Global Fitness

There may be less sympathy for the wealthy caught in a financial bind of their own making, but there are two important reasons why the wealthy also should be required to participate in the public program: 1) the insurance risk pools (sickness funds) benefit from including the contributions of this wealthier and generally healthier population, and 2) the influence of the wealthy provides greater political support for the public program in which they would be required to participate. Consider the great support for Medicare as opposed to the meager political and financial support for Medicaid.
Source: fitness-global.com

Hypocrisy on Medicare Reform

Still, my charge of hypocrisy has nothing to do with the past. My problem is that both Emanuel and Tyson support the Affordable Care Act (ObamaCare).  As all readers of this blog surely know by now, more than  half the costs of insuring young people under ObamaCare is to be paid for by cuts in Medicare spending. As Tom Saving and I explained in The Wall Street Journal, how much Medicare will be cut is a matter of some dispute.  The Congressional Budget Office says the act requires Medicare to grow at GDP plus 1%, exactly the same rate of growth as the premium support proposals referred to above. The Medicare Trustees report, however, says the act requires Medicare to grow at GDP plus 0%. And since the Medicare trustees are appointed by the president, we take the trustees’ report as the Obama administration’s view of its own health plan. [See the chart.]
Source: ncpa.org

How Republicans Indirectly Got Liberals To Point Out Flaws Behind Obamacare

First of all, let’s unpack the idea that if individuals have their own insurance, the “insurance company will have an incentive to keep [them] healthy”. That’s totally backwards. The idea that people might fire their insurance companies is exactly why they don’t have an incentive to keep you healthy. Insurance companies preferentially cover healthy people, and they want those who are ill to leave, or, better yet, not enroll in the first place. Captive populations, like those in the VA, or maybe plans with long-term contracts through big employers might have the right incentive, but the types of plans Gov. Romney seems to have in mind don’t do the very thing he is saying they do. Insurance companies have a vested interest in keeping you healthy when you can’t or won’t leave.
Source: firedoglake.com

63 percent of health insurance exchange

We publish live insurance news daily so you can keep informed whether it be insurance industry news or consumer related – we’ve got a full array and it’s all based on one subject, Insurance! Consumers often look for insurance product information so we highlight everything from cancer insurance to cell phone insurance so you can be informed! Insurance professionals will find daily property and casualty insurance news too – we have dedicated a complete section to insurance news today for agents! Thank you for visiting and let us know your thoughts!
Source: liveinsurancenews.com

Learn About Medicare Advantage Plans In Wisconsin

HMO Plans: These plans require members to pick a primary physician, authorized to act as a mediator for your medical services. Primary Care Physicians (PCP) are general practitioners, family doctors or pediatricians. When your primary physician decides you need to visit a specialist her or she will give you a referral. Only specialists that operate in your network are covered by your insurance plan. Their best attribute is that HMOs provide general care at comparatively lower cost. Certain treatment are somewhat less likely to be covered under an HMO because the goal of this type of insurance plan is maintenance.
Source: the-monkey.biz

2012 Medicare Debate All About the Boomers

Posted by:  :  Category: Medicare

Dr Fixit is on the Job / Alternate title The Proctologist by bitzceltWith more than 1.5 million baby boomers a year signing up for Medicare, the program’s future is one of the most important economic issues for anyone now 50 or older. Health care costs are the most unpredictable part of retirement, and Medicare remains an exceptional deal for retirees, who can reap benefits worth far more than the payroll taxes they paid in during their careers.
Source: theintelligencer.net

Video: DeFazio on saving Social Security/Medicare and creating jobs

DownWithTyranny!: Pope Pius Baloney XIII

Newt and other Republicans, frustrated with Romney’s impenetrably slick Teflon® exterior, have called him a liar before, but this weekend [see video above] Newt let loose on the GOP front-runner and aloof, condescending Mormon bishop at an official Republican Party debate on national TV. Previously, Newt was just looked at as a misfit grousing because Romney was getting the best of him. “He’s not telling the American people the truth. It’s just like his pretense that he’s a conservative,” Mr. Gingrich said on CBS’s The Early Show. “I just think he ought to be honest to the American people and try to win as the real Mitt Romney, not try to invent a poll-driven, consultant-guided version that goes around with talking points.” The volume of Mr Gingrich’s complaining has gotten louder and louder each day. At a stop in Marshalltown, Iowa, on Monday, Mr. Gingrich complained that he has been “Romney-boated,” a reference to the Swift Boat Veterans for Truth ads that helped derail Senator John Kerry’s presidential campaign in 2004. Appearing on CNN’s Piers Morgan Tonight on Monday, Mr. Gingrich repeated his complaints about Mr. Romney’s refusal to disown the negative ads being run by a “super PAC” supporting his campaign. “If he would be willing to just be man enough to say, ‘You know, this is my negative campaign and I admit it,’ I’d be a lot happier,” Mr. Gingrich said. “What I find very frustrating, and frankly irritating,” he said, is someone who “wants to run for president of the United States who can’t be honest with the American people.” …“Here is my simple tag line: Somebody who will lie to you to get to be president will lie to you when they are president.” Not exactly the most trustworthy of organizations when it comes to calling out Republicans on their lies, even FactCheck.org was stunned by the stream of bullshit flowing off the ABC stage Saturday night and the NBC stage Sunday morning. “Less than 12 hours after the ABC News/Yahoo! debate in Manchester ended, the Republican presidential candidates were at it again– debating on NBC’s Meet the Press. As they did the night before, the candidates at times distorted the truth on a variety of topics, including Medicare, job creation, gasoline prices and environmental regulations.” And of course it isn’t only Romney who lies virtually every time he opens his mouth. ABC News fact-checked its own debate with this pack of liars, and the report was… well, just what one should expect from a gaggle of Republican stooges. From the Romney Big Lie about creating jobs at Bain instead of killing them to Santorum’s eye-popping ethics violations and Perry’s inchoate, barely decipherable nonsense, not one of these guys, other than perhaps Ron Paul, allows truth to get in the way of what how he wants to present his talking points. The Romney lies about being a job creator, instead of the more accurate description as a jobs cremator, have a special place in my heart, since Bain used the Romney model to destroy my old company, Warner Bros Records. Matt Negrin reports for ABC that he continued to advance false claims on Saturday night. Newt Gingrich raced out of the gate in tonight’s debate by being skeptical of Mitt Romney’s claim that Bain was responsible for creating 100,000 jobs, and he pointed to scrutiny of the firm in a recent New York Times article and a documentary. In response, Romney repeated a familiar talking point– that Bain, under his leadership, was responsible for creating 100,000 jobs at companies in which it invested. Romney was asked tonight if the 100,000 jobs are discounting the number of jobs that were lost at companies backed by Bain. He said the figure includes “both” and that it’s a “net” tally. He rattled off some talking points on companies that added jobs, like Sports Authority and Staples. Bain was not the sole investor in Staples (which Romney said added 90,000 jobs) nor Sports Authority (which he said added 15,000). In 2002, for example, Staples founder Tom Stemberg wrote on CNN Money that Bain “gave us a boost.” Though the company also had help from two other firms. Sports Authority, too, was started with financial help from a few other investors. Democrats were quick to respond to Romney’s claim tonight. In an email to reporters, the party pointed to a number of quotes the candidate has made years ago about that figure– including this part from a 1994 Boston Globe article: ”In a telephone interview late yesterday, Romney dismissed the characterization of Staples and his other investments as streamlining, saying that what he has done is ‘build and grow businesses,’ not shrink them. He asserted that there is no way to calculate whether jobs have been lost or gained economy-wide as a result of his ventures, and noted his 10,000-job figure simply measures what happened to employment at companies in which Bain invested.” FactCheck.org checked Romney’s 100,000 jobs claim earlier this week and found it to be “unproven and questionable.” Rick Santorum, standing to Romney’s left on the stage, was asked early in the debate whether his comment that the United States doesn’t need a CEO (it needs a leader) was directed at Romney; he confirmed that, yes, it was. And speaking of Santorum, the dust-up over his character as one of Washington’s sleaziest operators was interesting. His behavior as a bribe-taker in office and a corrupt lobbyist as soon as he was defeated by Pennsylvania voters is pretty standard fare among Republicans, and it can be expected that he would be pounded a lot more heavily if he were debating a Democrat. But he still managed to lie his ass off and come out looking as bad as Romney. During the debate, Ron Paul and Rick Santorum sparred over Santorum’s ethics record. Who characterized it more accurately? Moderator George Stephanopoulos asked Ron Paul about this ad, which the Texas congressman’s campaign will begin airing in South Carolina on Monday: The ad accuses Santorum of corruption and states that he took the most money from lobbyists of any member of Congress, during his time in Washington. Paul stood by the ad tonight, noting that the “corruption” allegation originally came from an independent group. Santorum protested that the group, Citizens for Responsibility and Ethics in Washington (CREW), had leveled “ridiculous” charges against him and that CREW disproportionately makes such charges against conservatives. Both are (mostly) right. On the topic of lobbyist cash: Santorum did receive the most contributions from lobbyists and lobbying groups in the 2006 election cycle, when he lost to Sen. Bob Casey (D-Pa.), according to the Center for Responsive Politics. Santorum’s objection– that the total was based on PAC donations– is partly true. Center for Responsive Politics counts both PAC and individual (over $200) donations, according to its listed methodology. On the topic of corruption, CREW did file a complaint against Santorum, and it did list Santorum on its “most corrupt” members of Congress list in 2006. But the complaint was never taken up by the Senate Ethics Committee and Santorum lost his reelection campaign, as noted in this ABC News story. CREW’s complaint alleged that a loan violated the Senate gift rule and that Santorum appeared to have traded legislative action for donations. Santorum did write a letter to Pennsylvania newspaper protesting the allegations. As for CREW’s partisanship: Santorum is probably right about CREW’s reputation among Republicans, but the group focuses its criticism on both parties. Its current “most corrupt” list includes 10 Republicans and four Democrats. When Santorum made the list, in an election cycle marked by GOP ethics scandals, the list included 21 Republicans and four Democrats. One more great big Romney lie everyone noticed early in the debate: his claim that no states want to ban contraceptives. Technically, no state does, but hundreds of Republican Party officials do all over the states– including, oddly enough, Romney himself! Romney backed Mississippi’s ultimately failed (it was voted down in a referendum) Personhood Amendment, which if passed would have defined life as having begun at the point of conception. Such language “could potentially ban common forms of contraception like the birth control pill, as well as prevent a pregnant woman experiencing complications that threaten her life or health to obtain safe abortion care,” Molly A.K. Connors wrote in New Hampshire’s Concord Monitor. In 2005, Romney, then the governor of Massachusetts, vetoed a bill meant to expand emergency access to the “morning after pill.” The law would have required hospitals to offer the pill to rape survivors and allowed for certain state-sanctioned pharmacists to sell it without asking for a prescription. “The bill does not involve only the prevention of conception: The drug it authorizes would also terminate life after conception,” Romney wrote, defending the veto in this op-ed piece. For his part, Santorum has often spoken out against the Supreme Court’s ruling in Griswold vs. Connecticut (1965). That decision, which stated that the constitution protected “the right to privacy,” was inspired by an ultimately overturned state ban on contraception. Santorum and many anti-Abortionists feel that the ruling paved the way for Roe v. Wade. The Griswold case, he said yesterday, “created a new Constitutional right, which in my opinion is judicial activism.” So while it would be unfair to say Santorum wants to ban contraception, he has been and remains a vocal opponent of the most prominent court ruling in its favor. Meanwhile right-wing bloggers are on suicide watch over the incompetence of their preferred lunatic fringe candidates to take on the craven Willard and today’s tweets from rightist Dan Riehl portend a seriously disillusioned base.
Source: blogspot.com

Louisville, Associate Actuary Group Medicare, Jobs

accounting & finance jobs in louisville, ky – associate actuary – group medicare full-time regular posted 12/16/2010 ky – louisville humana inc., headquartered in louisville, kentucky, is 1 of the nation’s largest publicly traded health benefits companies. humana offers a diversified portfolio of health insurance products and related services – through traditional and consumer-choice plans – to employer groups, government-sponsored plans, and individuals. today, humana is a leader in consumer engagement. throughout its diversified customer portfolio, the company offers guidance that can both help lower costs and lead to a better health plan background. role:associate actuary – group actuarial assignment:medicare group actuarial location:louisville, ky hiring manager:lindsey bussabarger required no:35056 are you a fit? are you a detail-oriented analytical thinker? would you enjoy using your mathematical knowledge to analyze and improve current business processes? if this sounds like you, then read on! assignment capsule …
Source: rpgds.com

Medicare, jobs and our industry

John J. Castellani, President and CEO of the Pharmaceutical Research and Manufacturers of America said, “At a time when the U.S. is facing a jobs crisis, evidenced by the terrible employment numbers from last Friday, it is critical that our policymakers embrace dynamic and innovative business sectors such as the biopharmaceutical research sector and refrain from stifling job growth through shortsighted proposals such as government-mandated price controls in Medicare Part D.”
Source: azhealthconnections.com

medicare and IFP sales (pasadena)

Customer service and sales of new and existing medicare and IFP policies. Must have experience in Medicare Supplememnts and Part D, plus IFP plans. Must have or be able to obtain a California Insurance License. Excellent phone skills and computer/ internet savvy a must. Part time job, could be in our office or work from home. Base pay plus bonus for new sales. Hours will vary based on time of year and needs. We are a mid-sized brokerage with existing Medicare and IFP clients that need service. In addition looking to grow through new sales.
Source: telecommuteanywhere.com

CBO: Raising Medicare Age Means More Uninsured With Reduced Access To Care

Shifts in the sources of health insurance (and loss of insurance for some people) would affect the health care people receive and what they pay for it. Some people would end up without health insurance. People without health insurance are likely to receive lower quality care and pay more than insured people do. Many, but not all, people who end up with a different source of insurance would pay higher premiums than they would for Medicare and spend more out of pocket. The quality of health care could differ as well, in various ways. For example, people with private health insurance might have better access to physicians than they would under Medicare. Some people on Medicaid could have more difficulty obtaining services, but others could have access to health care with lower out-of-pocket costs than they would have under Medicare. The provisions of PPACA would make not having health insurance through Medicare or an employer less onerous than it would be otherwise. Virtually everyone affected would have access to health insurance, either through Medicaid or through exchanges. Although in many cases the premiums in the exchanges would be higher than 18. Some dual Medicare and Medicaid enrollees currently qualify for full Medicaid benefits; others qualify only for assistance with certain types of Medicare cost sharing. they are for Medicare, the insurance would be priced without regard to health status and with limited adjustments for age.
Source: talkingpointsmemo.com

House Approves Tax/Jobs Bill with Medicare Provisions; Fate Uncertain : Health Industry Washington Watch

Among many other things, the bill would avert a scheduled 27.4% cut in Medicare physician fee schedule (MPFS) payments in 2012 under the statutory Sustainable Growth Rate (SGR) formula and instead provide for a 1% payment update in 2012 and 2013. The costs of the MPFS fix would be offset through a variety of health care policy changes, including reducing funding for the ACA prevention and public health fund and ACA insurance subsidies, cutting Medicare reimbursement for hospital outpatient evaluation and management office visit services; reducing bad debt reimbursement, and rebasing Medicaid disproportionate share hospital allotments. The legislation also would extend: the Medicare outpatient therapy cap exceptions process; certain ambulance add-on payments; the floor used in the physician work geographic adjustment; the Qualified Individual program that reimburses states for certain Part B premiums; and the Transitional Medical Assistance program. In addition, the bill would relax certain restrictions on the expansion of physician-owned hospitals. The measure also would increase Medicare Part B and D premiums for higher-income beneficiaries beginning in 2017. 
Source: healthindustrywashingtonwatch.com

Intersecting the Movement

Public benefits not only allow individuals and families to access home-care; they also create jobs for domestic workers who provide indispensable long-term care and support. Understanding how these programs work and fighting against cuts is essential to creating new jobs in the care sector and ensuring that those jobs are quality jobs, with fair labor standards and the right to organize. The Shalom Bayit Campaign, in partnership with the Caring Across Generations Campaign, is committed to protecting our social safety net at the same time that we organize in solidarity with domestic workers. Come and learn about the history of Public Benefits in the U.S., how to navigate these programs, and the nature of the attacks on Medicaid, Medicare, and Social Security. Prepare yourself to organize with the Caring Across Generations Campaign and win justice and dignity for care-givers and care recipients alike.
Source: jfrej.org

3 Ways To Access Free Dental Care

Posted by:  :  Category: Medicare

The American Dental Association (ADA) estimates that the $2 million grant investment in this bill will return roughly $13 million in medically-necessary, pro bono dental treatment and help 5,000 Medicare and/or Medicaid beneficiaries. Dentists and consumers and asked to please support an action alert issued by the ADA by urging your U.S. Senators to co-sponsor S. 1878. Funding of programs like the examples above will ensure people with the greatest need will have access to free dental care.
Source: dailydollarnewsletter.com

Video: Medicare and the Federal Employees Health Benefits (FEHB) Program

Learn About Medicare Advantage Plans In Wisconsin

HMO Plans: These plans require members to pick a primary physician, authorized to act as a mediator for your medical services. Primary Care Physicians (PCP) are general practitioners, family doctors or pediatricians. When your primary physician decides you need to visit a specialist her or she will give you a referral. Only specialists that operate in your network are covered by your insurance plan. Their best attribute is that HMOs provide general care at comparatively lower cost. Certain treatment are somewhat less likely to be covered under an HMO because the goal of this type of insurance plan is maintenance.
Source: the-monkey.biz

Does Medicare Cover Dental Care?

Some surgical procedures to reconstruct a ridge at the same time as removing a tumor. Wiring the teeth if it is part of repairing a jaw fracture. Tooth extractions that are done to prepare for radiation treatments involving the jaw. Hospital stays may be covered if they are necessary for emergency dental procedures, even if the specific dental care is not covered. Most dental treatments that are essential to a procedure that is covered, such as reconstructing the jaw after an injury. Dental splints can be covered if they are part of treating a medical condition that is covered, such as dislocated jaw joints. Under specific circumstances, examinations which precede major surgery such as heart valve replacement or kidney transplants. The exam, but not the treatment, is covered because the examination is expected to identify increased infection or risks prior to the complex surgery. Inpatient hospital services if the severity of the dental treatment requires hospitalization. But it does not pay for the dental care itself. Infections which follow tooth extractions may be covered. Inpatient hospital care if you require observation because of a health threatening condition.
Source: programonlineeducation.com

Still No Coverage for Dental Care

In addition, Medicare will pay for some dental-related hospitalizations, for example, if  you develop an infection after having a tooth pulled, or if you require observation during a dental procedure because you have another health-threatening condition. In this case, Medicare will cover its usual cost of hospitalization (including room and board, anesthesia, and x-rays), but it will not cover the dentist fee for treatment or fees for other physicians, such as radiologists or anesthesiologists.
Source: marshagoodmanattorney.com

Medicare Advantage Plans Are Available During Open Enrollment

Actually, this is only time that you can try out one of the Medicare Advantage (MA) plans after the initial sign up period when you first became eligible for Medicare. This is a once a year event where you can assess the type of MA plan you got out of the dozen choices laid out in front of you by different insurers and insurance companies. If you let this chance slip by, you might end up paying more and getting less coverage than what you bargained for.
Source: nextlevelarticles.com

Can You FInd Medicare Dental and Vision Plans

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What Medicare Beneficiaries Need to Know about Medicare Dental Services

Currently, Medicare does not cover routine dental care or most dental procedures such as cleanings, fillings, tooth extractions or dentures. Medicare only pays for dental services that are an integral part either of a covered procedure (e.g., reconstruction of the jaw following accidental injury) or for extractions done in preparation for radiation treatment for neoplastic diseases involving the jaw.
Source: projektgenerika.org

Does Medicare Cover Dental Care?

The complicating factor lies in a section of the Social Security Act which allows Medicare to pay for services related to the periodontium (gums) and alveolar bone structures (tooth sockets). The type of service provided and which physical structures are involved will be the qualifying items to determine whether Medicare will cover all or part of those expenses. It is not related to the merits of dental care nor to the necessity of the procedures. While this may cause some confusion, it is clear that your every day dentist appointment for routine or preventive dental care is not covered by Medicare.
Source: dentalinsurance-tips.info

Dental News, CE, Forums, Buyers Guide

Stay current in today’s competitive market with updates on practice management software products, electronic dental records, and key legislative developments that are changing the face of dentistry. Click here Restoratives Community
Source: drbicuspid.com

The Doc Fix: A Lesson in How Government Doesn’t Work

Posted by:  :  Category: Medicare

This isn’t an isolated case, either; it’s not like Medicare was A-OK until Congress came along and screwed it up with the unsustainable growth rate. As I document in “Medicare Whac-a-Mole,” my feature in Reason’s latest print edition, the history of Medicare payment fixes, each intended to control exploding system costs by somehow fixing its payment system, is a history of technocratic folly, in which Congress and assorted health bureaucrats—not all of whom even knew much about the health care system they were tasked with managing—passed payment reform after payment reform, only to watch spending continue to grow faster than expected. This is why I’m even skeptical of the permanent fix proposals put forth by Medicare’s resident bureauwonks, which would tweak the payment system to cut specialist payments and freeze primary care pay. Maybe the wonks and bureaucrats will get it right this time! Or, you know, maybe not.  
Source: reason.com

Video: President Obama Explains Healthcare.gov

Medicare.gov Nursing Home Compare Tool

When looking for a nursing home for your loved ones, be sure to check the Medicare.gov Nursing Home Compare Tool. It provides detailed information about the past performance of every Medicare and Medicaid certified nursing home in the country.
Source: pintas.com

CMS Introduces Conditional Payment Reimbursement Option

.  According to MSPRC, this option will be available to Medicare beneficiaries starting in February 2012, and will effectively allow Medicare’s related claims to be identified pre-settlement.  While the process has not been fully defined, it is likely that once settlement is finalized, the process of requesting a final demand amount from Medicare (by providing gross settlement amount, fees, costs and expenses) will remain the same, regardless of whether this small settlement resolution program has been utilized. Starting the Medicare repayment process early provides the best opportunity to comply with all Medicare Secondary Payer obligations while expediting the case.  Medicare’s 2012 small settlement resolution program reinforces the need to START EARLY!  To take advantage of this program in a $25,000 or less case means needing to know if an individual is Medicare enrolled, and if so, how much in medical expenses has Medicare paid conditionally.  Having a formalized settlement process that integrates these core concepts will achieve efficiencies and enhance the effectiveness in settlement proceedings.  Such a formalized settlement process should include an analysis of the applicability of this small settlement resolution program.  Thus, screening a case/claim up front to verify entitlement, establishing a tort recovery record with Medicare early in the process and obtaining the first conditional payment letter from Medicare (all as part of a formalized settlement process) and resolution path is the proper path to take advantage of this small settlement resolution program.  Although Medicare currently does not intend to include exposure, ingestion or implantation cases in this program, the Alert identifies that this will be a work in progress.  As a result, if this program creates the intended results that benefit the settling parties, taxpayers and the Medicare program, an extension of this program in 2013 may not be out of the question.  Medicare intends to issue additional guidance on how to participate in this program in January 2012.  The DRI MSP Task Force will provide further program details once they have been released.  Until then, we continue to stress the importance of verifying Medicare enrollment as early in the settlement process as possible, as that information will better define the scope of the settlement continuum; from reimbursement to reporting to potential future cost of care issues.
Source: dritoday.org

How to Login & access My Medicare Account section from MyMedicare.gov?

For accessing your Medicare information, Medicare Government has developed an official website www.Medicare.gov. You can find at the official website such as, health and drug plans, health information, plan choices, online services, emergency services and many others. You can easily Login or Sign in at the www.Medicare.gov, This article will helpful you to give full introduction about how to login and create My Medicare Account Sign in at the official site.
Source: letmeget.net

A look into the benefits of Medicare

These types of plans are approved by the Medicare insurance program but are administered and seen to fruition by private health insurance companies. Plan holders may choose which drugs they wish to include and which drugs they wish to exclude from the said plans. However, Medicare authorities have excluded several types of drugs from the list of covered prescription drugs. These include, but are not limited to, cough medicine and barbiturates. The plans that for one way or another included these medicines into their plans are not to be payed by the Medicare insurance coverage. The last part of the benefits of Medicare is the Medicare Advantage. Medicare Advantage is just a fancy name that means plan holders can choose to claim their original Medicare plans (Parts A and B) from private insurance health plans. The main difference of Medicare Advantage from the regular Hospital and Medical Coverage is that it is not standardized. This means that the plan holders have a little freedom when it comes to choosing their plan’s payment schemes, for example. According to recent studies, more and more choose the Medical Advantage because of perceived greater returns for their insurance investment. Aside from the greater returns for the investment, Medical Advantage members also get better health benefits in the form of additional compensation from the savings generated by the said health insurance  plan part. Aside from the monetary gains of those who enroll in the newer Medicare Advantage plans, these type of Medicare plan also has features not available to the older and original Medicare Plans A and B. Some of these added benefits to those who avail of the Medicare Advantage plan are the following: dental care coverage, optical services coverage(referring to incidents with our eyes), and other types of services not included in the Hospital and Medical Insurance plans of old. It is now up to the clients to choose which type of benefit plan to choose. Choose the first two plans and be one of the many who experience good health insurance coverage. Be one of those who choose to enroll in the Medicare Advantage, and enjoy the added benefits that they incorporate into the said insurance plans.
Source: ezinemark.com

Grady faces inspection after deadly fall

CMS surveyors arrived in July to inspect Parkland for eight days, and found significant deficiencies in infection control, nursing services, medical records and other areas. On Aug. 9, the agency notified the hospital that it was in “immediate jeopardy” of losing Medicare funding if it failed to address the problems to CMS’ satisfaction.
Source: georgiahealthnews.com

Does Medicare Cover Dental or Vision

[…] The US Medicare health insurance system provides basic health benefits for most American seniors, and also for disabled people. While this health insurance helps seniors afford health care, it provides few benefits for vision and dental care. Some seniors may have dental benefits through a Medicare Advantage plan, while others could be covered through job retirement benefits. But many have no coverage. For more information, refer to: Does Medicare cover Dental and Vision? […]
Source: bestquoteus.com

Why is American health care so expensive?: How does Canada do it?

When I was at my marathon internal medicine update course at Harvard earlier this month, I sat next to a very bright physician from Tanzania who works as an internist in Canada. I am so glad I talked to her. I was really confused about the health care system in Canada, especially the meaning of “socialized medicine.” Canada has a publicly funded insurance program that pays for basic health services and covers about 99% of outpatient visits. Doctors, though, are not all on a salary through the government, which I thought they were. Most physicians receive fee for service, just like they do in the US. What happens is that their “medicare” is much like ours, and pays doctors for seeing patients. I am not at all clear as to what a doctor can bill medicare for, whether Canada pays for things like management services not involving face to face contacts or that sort of thing, which would be really interesting to know. Some doctors are on salary through community health clinics like they are here, but my Tanzanian friend said that those who work fee for service are paid more generously and have more control over their schedules, so that is what she has chosen to do. I asked her how Canada deals with the shortage of primary care internists, since I figured this probably isn’t a peculiarly US problem. She said that for as long as she has been aware, Canada uses its internists as consultants to the family doctors who are the real primary care physicians. The internist may see a patient several times in a year, but will give recommendations for management to the general practitioner who is primarily responsible for the patient’s care. She feels that internists are paid well and have good lives. They do also take call at the hospital and usually provide inpatient care, but most are not “hospitalists” per se, but more what we would call traditional internal medicine physicians. Internal medicine consultants, in order to be paid at a higher rate than general practitioners, must complete a 4th post graduate year, a fellowship in internal medicine, which is one more year than US internists do. This sounds to me like a truly great solution to the problem the US is having with too few internists. As a consultant I could take care of many more patients, but be less likely to be burned out since those patients would have another physician to help care for them, and as a consultant I would not have to be available to every patient all the time. Once again, it looks like another country has figured out a solution to one of our problems and if we were flexible we could just adopt it.
Source: blogspot.com

10 day International Homeopathy Convention kicks off

Posted by:  :  Category: Medicare

Love It! Improve It! Medicare For All! Poster - Washington DC by Glyn Lowe PhotosDr Rajan Sankaran MD (Hom) head of ‘the other song’ (International Academy for Advanced Homoeopathy) spoke about the Sensation Method. Building on traditional homoeopathy which primarily relies on symptoms, the Sensation Method helps the patient focus on his deeper experiences (sensation). This sensation is related to a corresponding sensation found in the plant, mineral or animal kingdoms. The physician understands the patient using this method, making remedy selection easier as it is based on a definite system of analysis. This latest advancement in Homoeopathy is getting worldwide recognition, and the success rate of homoeopaths who use and apply this technique is exceptionally high, asserted Sankaran.
Source: co.in

Video: Saudi Medicare, Riyadh International Exhibition Center.KSA -(www.pak-arab.com)-110.mp4

Health Care International

Health Insurance for Visitors, Coverage for visiting USA Canada, plans for parents visiting USA or Canada Insurance is ideal for tourists to US, and for parents and other family members visiting the United States (USA) or any other international dest …
Source: healthcareinternational.net

Agreement Signed by HeartWare International and Dualis MedTech

Since 2011, the two firms have been working towards entering into an agreement. However, as per the agreement signed by the two, HeartWare would be providing funding for the development program for left ventricular assisting devices (LVADs). Moreover, the firm has also been provided with an option of funding various programs designed to exploring developments in bi-ventricular support and more.
Source: topnews.us

International Falls Journal: Sen. Franken urges seniors to take advantage of Medicare open enrollment

“I know that the many different Medicare plans and options can be overwhelming, but there are resources to help you choose the best one for you and your family,” said Sen. Franken. “Seniors deserve to enjoy their retirement. You worked hard for years; now your Medicare should work for you. I’ll continue fighting to protect the Medicare program in Congress. It’s up to you to make sure you have the Medicare coverage that’s right for you and your family.”
Source: alfranken.com

Missed the HIPAA deadline? CMS wants to help. (Technical Assistance).(Health Information Portability and Accountability Act, Centers for Medicare and Medicaid … An article from: Family Practice News

This digital document is an article from Family Practice News, published by International Medical News Group on November 15, 2002. The length of the article is 420 words. The page length shown above is based on a typical 300-word page. The article is delivered in HTML format and is available in your Amazon.com Digital Locker immediately after purchase. You can view it with any web browser.
Source: photosnap.us